Highest Club Savings Account Rates in Missouri
24 Missouri-specific products
The Missouri market
Missouri accounts
24
Institutions
20
Top Missouri APY
3.00% APY
FDIC national average
0.37%
As of Sep 2026
24 club savings accounts are open only to Missouri residents, from 20 institutions. The highest advertised APY among them is 3.00%.
11 of the 24 Missouri club savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Missouri-Specific Club Savings Accounts
Club Savings accounts specifically available to Missouri residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$300per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #2 | Show Details | +$250per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #3 | Show Details | +$100per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #4 | Show Details | +$75per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $20 | |
| #5 | Show Details | +$70per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #6 | Show Details | +$65per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #7 | Show Details | +$65per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #8 | Show Details | +$65per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #9 | Show Details | +$50per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #10 | Show Details | +$50per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #11 | Show Details | +$42per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #12 | Show Details | +$35per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #13 | Show Details | +$35per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #14 | Show Details | +$30per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #15 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #16 | Show Details | +$25per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #17 | Show Details | +$25per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #18 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 | |
| #19 | Bank of Franklin County CLUB Account (with auto deposit) 0.10%APY No min. balance for APY Observed: Oct 13, 2026 Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #20 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #21 | Show Details | +$10per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #22 | Show Details | +$6per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $10 | |
| #23 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $1 | |
| #24 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $5 |
HomePride Bank
Christmas Club Account
What to Watch
No withdrawals are allowed before the maturity date. All interest is forfeited if the account is withdrawn or closed early. The balance and its interest are paid out by check in early November.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | $25 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11466) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
UNICO Bank
Christmas Club Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 10608) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank 21
Christmas Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8560) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank Northwest
Christmas Club Account
Show Fine Print & Trends Hide Details
| Min. Deposit | $20 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 16601) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Corner Stone Bank
Christmas Club
What to Watch
No withdrawals are allowed until the maturity date.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 9388) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
HomeBank
Christmas Club
What to Watch
The opening deposit cannot exceed $2,500 and the account cannot take more than $10,000 in total. Deposits run until the second week of October and resume in the first week of November for the following year. The balance is paid out by check, or moved to another HomeBank account, in the third week of October. Closing the account before then is charged an early withdrawal penalty of 10% of the balance, with a minimum of $25. An account left at a zero balance for 30 days is closed.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14492) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
HomeBank
Summer Savings
What to Watch
The opening deposit cannot exceed $2,500 and the account cannot take more than $10,000 in total. Deposits run until the second week of May and resume in the first week of June for the following year. The balance is paid out by check, or moved to another HomeBank account, in the third week of May. Closing the account before then is charged an early withdrawal penalty of 10% of the balance, with a minimum of $25. An account left at a zero balance for 30 days is closed.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14492) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
The Citizens-Farmers Bank of Cole Camp
Christmas Club
What to Watch
A check for the full account balance is issued every November 1st, and interest is paid once a year.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $1 |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 11463) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Citizens Bank
Christmas Club
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14488) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
HNB National Bank
Christmas Club
What to Watch
No withdrawals are allowed before the maturity date. The balance is sent to the customer by check once a year.
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4540) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Peoples National Bank , N.A.
Christmas Saver
What to Watch
Funds may be withdrawn between October 1 and December 31. A withdrawal made between January 1 and September 30 costs $10.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3809) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
United Bank of Union
Christmas Club
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14334) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
United Bank of Union
Vacation Club
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14334) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Chester National Bank
Christmas Club
What to Watch
No withdrawals are allowed. The balance is paid out at the end of the club year, no later than October 31. A $25 fee applies if the account is closed before the club year ends.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | $10 |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30220) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of Washington
Christmas Club
What to Watch
Deposits must be made in $5 increments. Interest is paid once a year by a check mailed in mid-October.
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 12627) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Lindell Bank & Trust Company
Christmas Club Savings
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 1073) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Silex Banking Company
Christmas Club
What to Watch
No early withdrawal is allowed. The balance and the accrued interest are paid out by check each year in October. Payments into the account can be transferred automatically from a checking account.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 14178) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Exchange Bank & Trust
Christmas Club
What to Watch
The balance is released automatically each year on October 31, by check or by direct deposit to an Exchange Bank account. An early withdrawal forfeits the interest earned.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $0.01 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4619) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of Franklin County
CLUB Account (with auto deposit)
What to Watch
Periodic deposits are required. Withdrawals need the bank's consent before the payout-maturity date, and a consented withdrawal can forfeit all accrued interest. On that date the balance and interest are paid out and the account returns to zero; the account closes if no deposit is made within the next 60 days. The maximum deposit allowed is $100,000.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Doesn't compound |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35543) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First National Bank of Waterloo
Christmas Club
What to Watch
Variable rate. The rate and APY can change at any time. Interest is credited once a year. The balance is paid out each October by check or by transfer to another FNB account.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3842) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
First National Bank of Waterloo
Vacation Club
What to Watch
Variable rate. The rate and APY can change at any time. Interest is credited once a year. The balance is paid out each April by check or by transfer to another FNB account.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3842) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
St. Johns Bank and Trust Company
Christmas Club
What to Watch
An automatic transfer of at least $10 from another account at this bank is required at least once a month. No withdrawal is allowed until the annual distribution in October. Interest is credited once a year, and accrued interest is forfeited if the account is closed before it is credited.
Show Fine Print & Trends Hide Details
| Min. Deposit | $10 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 8898) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of Franklin County
Club Account
What to Watch
Periodic deposits are required. Withdrawals need the bank's consent before the payout-maturity date, and a consented withdrawal can forfeit all accrued interest. On that date the balance and interest are paid out and the account returns to zero; the account closes if no deposit is made within the next 60 days. The maximum deposit allowed is $100,000.
Show Fine Print & Trends Hide Details
| Min. Deposit | $1 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Doesn't compound |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 35543) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
F&M Bank and Trust Company
Christmas Club
What to Watch
No withdrawals are allowed. Funds are paid out each year in mid-October. Interest earned is forfeited if the account is closed early.
Show Fine Print & Trends Hide Details
| Min. Deposit | $5 |
| Min. Balance | $5 |
| Maintenance Fee | $0 |
| Compound Freq | Annually |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 30595) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |